Apply for Milestone® Mastercard® | Application
To apply for the Milestone® Mastercard®, you must use the online application form on the official Milestone® Mastercard® website. The process includes a pre-qualification step with a soft credit pull, so you can check for offers without impacting your credit score. The full application, if you choose to proceed, involves a hard credit pull.
How to apply for the Milestone® Mastercard®
- Visit the official website: Go to the official Milestone® card website.
- Fill out the pre-qualification form: Fill in the required information, such as your name, address, email, date of birth, and Social Security Number.
- Review your offer: The pre-qualification process will give you an indication of your chances for approval and show you any potential offers without harming your credit score.
- Complete the full application: If you receive a pre-qualified offer and wish to move forward, you will need to fill out the full application with all required personal and financial details.
- Authorize a hard pull: By submitting the final application, you authorize Concora Credit (the servicer) and The Bank of Missouri (the issuer) to perform a hard inquiry on your credit report to verify your information and make a final approval decision.
Eligibility requirements
- Be at least 18 years old.
- Have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
- Have a physical U.S. address.
- Have sufficient income to make monthly payments.
- Not have had a Milestone® Mastercard® account that was previously charged off.
- Have bad or less-than-perfect credit (a score of 500 or higher is typically needed for good approval odds).
After you apply
- You can check the status of your application by calling Concora Credit at 1-800-305-0330.
- While many applicants get an instant decision, the process can take longer if additional verification is needed.
Key things to know about the Milestone® Mastercard®
- Issuer and servicer: The Milestone® Mastercard® is issued by The Bank of Missouri and serviced by Concora Credit.
- Reports to credit bureaus: The card reports your payment history to all three major credit bureaus (Equifax, Experian, and TransUnion), which can help you build your credit if you use it responsibly.
- Fees and interest: The card has high fees and a high Annual Percentage Rate (APR). There is an annual fee (potentially with a monthly fee in subsequent years), which will reduce your initial available credit.
- Unsecured card: Unlike secured cards, this card does not require a security deposit.
Milestone® Mastercard®
- Guaranteed $700 credit limit if approved.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Don't Have Perfect Credit? No Problem!
- Join over a million consumers who are working on building their access to credit.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
- No security deposit, and a path to better credit.
- CLICK HERE TO APPLY ONLINE
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FICO® Credit Scores
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
- Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
- Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.
Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.
Security Notice: All participating issuers use secure application systems protected by Transport Layer Security (TLS) encryption to help protect your information.
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
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